We are dedicated to community and personalized service-a true advocate for clients in today's world of complex financing. Ongoing research and training, an understanding of changing industry guidelines, additional national and state licensing, and a vast knowledge of industry resources, enable my company to offer unequaled step-by-step guidance and exceptionally competitive pricing.
As the picture of today's real estate environment changes, we see mortgage loans not just as a means to own a home, but instead a financial instrument that must be tied to your long term and short term personal financial plan. This will allow you to create a debt strategy that helps in building long term wealth creation for you and your entire family.
We understand you're making a large commitment, whether buying a new home or refinancing your current home. Our service to you is not only to provide you with competitive rates and costs, but to manage your transaction with the personal care and professional treatment you should expect in today's market.
As the picture of today's real estate environment changes, we see mortgage loans not just as a means to own a home, but instead a financial instrument that must be tied to your long term and short term personal financial plan. This will allow you to create a debt strategy that helps in building long term wealth creation for you and your entire family.
We understand you're making a large commitment, whether buying a new home or refinancing your current home. Our service to you is not only to provide you with competitive rates and costs, but to manage your transaction with the personal care and professional treatment you should expect in today's market.
Services
I started in this industry in 2001 with a commitment to support and guide my clients through the financial steps of purchasing or refinancing a home.
My company, Cottingham Mortgage Inc., specializes in residential mortgages, and is dedicated to community and personalized service-a true advocate for my clients in today's world of complex financing.
Ongoing research and training, an understanding of changing industry guidelines, additional national and state licensing, and a vast knowledge of industry resources, enable my company to offer unequaled step-by-step guidance and exceptionally competitive pricing - servicing all of the San Francisco Bay Area and California.
My company, Cottingham Mortgage Inc., specializes in residential mortgages, and is dedicated to community and personalized service-a true advocate for my clients in today's world of complex financing.
Ongoing research and training, an understanding of changing industry guidelines, additional national and state licensing, and a vast knowledge of industry resources, enable my company to offer unequaled step-by-step guidance and exceptionally competitive pricing - servicing all of the San Francisco Bay Area and California.
Before you begin to shop for a new home, you should set up a time to meet with me so we can figure out how much you can afford.
This will put you in a better position as a buyer.
That's when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan.
The difference between the two terms will be crucial when you decide to make an offer on a house.
To get pre-qualified for a loan, I will collect information about your debt, income, and assets.
This will put you in a better position as a buyer.
That's when it is important to understand the distinction between being pre-qualified for a loan and pre-approved for a loan.
The difference between the two terms will be crucial when you decide to make an offer on a house.
To get pre-qualified for a loan, I will collect information about your debt, income, and assets.
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